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Chase vs Citibank

Chase is a national bank with good promotions for new customers. How does it compare to Citibank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare Chase with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Chase
Member FDIC
Member FDIC
 Visit SiteLearn More
 

Chase

Citibank

SPECIAL OFFER
Chase Bank $300 Bonus - Learn More

Read Chase Review

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

 

Benefits and Features

Savings
  • Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open.
  • Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
  • Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
  • Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CDTerms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
  • 6-Month Fixed Rate CD - 3.50% APY
  • 9-Month Fixed Rate CD - 2.50% APY
  • 1-Year Fixed Rate CD - 2.50% APY
  • 5-Year Fixed Rate CD - 2.00% APY
  • 3-Month Fixed Rate CD - 0.05% APY
Checking
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking℠: For high net worth individuals who have $250,000 on deposit with Chase.
Check
Money Market 
Mobile App
iOS & Android
 
ATMs
15,000+ Chase ATMs
More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer ServiceAutomated service available 24 hours a day,
7 days a week
24/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money Market 
Check
Locations
Over 4,700
645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
 

CreditDonkey® Reviews

 Chase
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low savings rates
  • Not in all states
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineNational bank with good promotions for new customers... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Chase: Pricing information and data points from published website as of 09/27/2024.

    Citibank: Pricing information from published website as of 09/27/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    Chase
    Member FDIC

    Chase Total Checking® - $300 Bonus

    Expires 1/22/2025
    • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
    • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • JPMorgan Chase Bank, N.A. Member FDIC
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
    Chase
    Member FDIC

    Chase Secure Banking℠ - $100 Bonus

    Expires 1/22/2025
    • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
    • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
    • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
    • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
    • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
    • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
    • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
    • JPMorgan Chase Bank, N.A. Member FDIC.
    Chase Business Complete Banking® - $300 Bonus

    Chase Business Complete Banking® - $300 Bonus

    Expires 1/16/2025
    • Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
    • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
    • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
    • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
    • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
    • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
    • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
    • Associate Debit and Employee Deposit Cards available upon request

    Which is Better: Chase or Citibank?

    Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

    In short: Chase's checking is worth mentioning.


    Articles on Chase

    Chase Bank

    Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

    Open a Chase Account

    Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

    Chase Business Checking Coupon

    Chase Business Complete Banking offers a $300 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.

    Chase Business Complete Banking Review

    Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.

    How to Open a Chase Business Bank Account

    Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

    Chase Routing Number

    What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

    Does Chase Have a High Yield Savings

    Curious if Chase offers a high-yield savings account? Read on to find out.

    Chase Savings Account Interest Rate

    Looking to open a savings account with Chase? Check out the current rates being offered.

    Chase CD Rates

    Are Chase CD rates any good? You might find better options elsewhere. Find out more.

    Articles on Citibank

    Citibank Review

    Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citibank Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    Citibank High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?


    Which Bank Account is Right for You?


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    About CreditDonkey
    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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